Deputy Manager - Kotak Mahindra Bank
(2026-05)
- Managed new tractor loans and credit application processing by evaluating customer eligibility in line with bank policies and compliance guidelines
- Conduct telephonic verification with customers for profile assessment and eligibility evaluation
- Authorised to approve loan files across PAN India operations
- Coordinated with credit managers for final approvals based on policy, credit rating, and document scrutiny
- Conducted thorough checks of customer PAN, CIBIL, and Equifax reports to validate financial credibility Maintaining loan statements and repayments schedule of customers
Assistant Manager - Kotak Mahindra Bank
(2022-09 - 2026-05)
- Handled re finance tractor loan and credit applications, verifying customer profiles and making preliminary approval decisions
- Managed data entry in internal loan processing systems (Bank VLOS) for application tracking and sanction
- Interfaced with internal teams to resolve queries and ensure smooth loan disbursement
- Additional work regarding internal audit of sanctioned files, other data checking (PSL, End use)
Associate operations - ICICI Home Finance Ltd
(2021-04 - 2022-08)
- Processed and reviewed home loan files and application dockets for further credit evaluation
- Performed accurate data entry into internal systems, ensuring proper tracking and compliance
- Supported administrative staff in daily loan operations and customer service coordination
- Maintained loan productivity trackers for internal performance monitoring
- Handled backend disbursement processes, including system updates and payment scheduling
- Ensured timely handling of post-sanction formalities and documentation
- Coordinated with customers for file-related queries and document submissions
- Managed basic operational tasks i.e preparing cheque cut files and resolving loan disbursement issues
Credit Process Associate - ICICI Home Finance Ltd
(2019-09 - 2021-03)
- Handled the end-to-end credit process for home loans, from file login to final disbursement
- Verified KYC documents and checked income proofs, property papers, and sanction terms for accuracy. Coordinated with sales teams and internal departments for pending document collection
- Created dockets and logged loan files into the system for processing and approval
- Maintained MIS reports and trackers for file movements, loan status, and disbursement timelines
- Supported credit managers in evaluating applicant eligibility and loan structuring
- Addressed customer service requests, including part-payments, refunds, and loan closures
- Managed all types of loan requests and resolved customer queries efficient
